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E.g., 2022-12-06
E.g., 2022-12-06
November 17, 2022
In the institutional market, understanding the business model of your counterparties is paramount. Following the financial crisis of 2008, regulatory initiatives in the over-the-counter (OTC) derivatives market have made this a key focus. The question is: Will the FTX bankruptcy be enough to push through new reforms in the digital assets markets? A lot more will be uncovered in the coming...
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November 16, 2022
The world is returning to many pre-pandemic norms, and Money 20/20 was no exception. There was quite a crowd at the Las Vegas show in late October 2022. Numerous people I spoke with commented that attendance was up considerably compared to last year, and the energy and excitement in the air matched the crowd size. In walking the exhibit floor and talking to many companies showcasing their...
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November 15, 2022
The 2022 Innovation in Cash Management & Payments Forum (ICMP) was a resounding success. Hosted in New York City by Aite-Novarica Group’s Commercial Banking & Payments practice, the well-attended forum provided interactive, moderated panels as well as ample opportunities for networking. Above all, guests enjoyed thought leadership on a range of key issues relevant to transformations...
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November 10, 2022
On October 26th, I hosted the latest meeting of the Aite-Novarica Women’s Network on perspectives from developing leaders. We were joined by guest panelists Katie Wendling (Manager, Electric Insurance), Kimberly Wilson (AVP, Strategy and Planning, MetLife), and Dani Baresel-Pavlik (ECM Director, Pinnacol Assurance) who shared their experiences and perspectives. They had a couple pieces of key...
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November 10, 2022
創業間もないスモール・ビジネスは、事業規模が小さく経営も安定していないとみられることから、コーポレート・カードを発行するには、経営者個人の信用を利用するしか方策がありませんでしたが、オルタナティブ・データを活用し、更に次世代経営者のニーズを組み込んだコーポレート・カードを発行するフィンテック・ベンチャーが登場しています。アイテ・ノバリカ・グループでは、2022年4月発行した「Commercial Banking Fintech Spotlight Q1 2022」でこの分野に挑戦するカナダのCaary社を取り上げました。   ■ スモール・ビジネスとコーポレート・カード クレジット・カードが当たりまえの社会で育ったミレニアル世代/Z世代が起業するケースが増加しているが、コーヒー・ショップ店主であってもECサイト・オーナーであっても、経営者はカードを使って仕入れを行い、...
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November 8, 2022
Insurers are entering an era that requires them to continuously confront previously unforeseen risk. Some lines of business, such as cyber insurance, have been able to overcome a deficit in claims data through analytics and predictive modeling. Other lines have grappled with business interruption coverage and adjusting life insurance mortality models in the wake of the COVID-19 pandemic....
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November 8, 2022
50か国以上で個別に稼働しているコアバンキング・システムを統一し、更にクラウド移行するプロジェクトを推進しているスタンダード・チャータード銀行の話題です。一部の国ではクラウド版への移行が完了しています。   ■ スタンダード・チャータード銀行の歴史 1853年にイギリスで設立されたスタンダード・チャータード銀行(以下SC銀行)は、旧イギリス領のアフリカやアジア諸国の支店網がビジネス基盤となり、59か国/800支店を展開するグローバル金融機関である(総資産8000憶ドル:世界ランキング40位(2020年))。イギリス国内支店はない)。現在のビジネスの中心はAPAC(65%を占める)で、香港では香港ドルの発行銀行の一行でもある。シンガポール政府系ファンドのテマセク・ホールディングスが筆頭株主となっている。 事業内容は、法人顧客に対するトランザクションバンキング/...
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November 3, 2022
The pace of digitalization in the banking and financial services industry is hastening due to the COVID-19 pandemic and modern technologies disrupting traditional business models. Moving to the cloud is now key to help drive forward digital transformation initiatives. Financial institutions (FIs) are realizing economies of scale by running software, data analytics, and digital business...
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November 2, 2022
The world around us is moving fast, and the expectations of the entities and people that are part of our respective value chains could best be described as “heightened.” Some of this may be a result of changed digital profiles from the pandemic. Some may simply be a result of greater operational transparency or a willingness to challenge the status quo. Whatever the root causes, the lesson...
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November 1, 2022
Investment firms designing their technology stack historically had a choice: best-of-breed or integrated solutions. Best-of-breed applications offered strong functionality, but firms struggled with integration, upgrades, adding new functionality, and an exponential increase in cost and complexity that often left them stuck on legacy and unsupported versions of software. Alternatively,...
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